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Is the Thrift Savings Plan Shortchanging U.S. Government Workers?
Ron A. Rhoades, JD, CFP 
[Opinion] May 8, 2017
"While literally hundreds of factors have been discovered, only a handful have both withstood academic scrutiny and are 'investable' at a fairly low cost.... Yet, the Thrift Savings Plan has no funds that take advantage of these factors and this academic research. The result? Underperformance of a portfolio that uses only the TSP funds, relative to what could be achieved, is likely to occur by 1% to 2% a year (or greater) over most 10-20 year periods of time."
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